The GEF One model
GEF One connects individuals, businesses and institutions with financial products delivered through appropriately qualified and, where required, licensed or regulated third-party Licensed Partners. Where a regulated product is provided by a Licensed Partner, that partner operates under its own licence, registration and regulatory obligations and is responsible for the regulated service it delivers. GEF's own role may include technology infrastructure, onboarding, identity verification, product matching, distribution, administration and compliance processes, and varies by product, customer location and applicable law.
How partners are matched to products
Depending on the product and jurisdiction, GEF works with appropriately authorised or regulated providers for banking, payments, card issuing, digital assets, investments, foreign exchange and custody. Provider names, regulatory status and applicable licence or registration information are identified for a product before or during onboarding once that relationship has been confirmed — see Licensed Partners for how these relationships are structured and disclosed.
Regulatory status is product- and jurisdiction-specific
A provider authorised to offer a service in one country may not be authorised to offer it in another, so the availability of a GEF One product does not mean it is available to every customer. Availability can depend on residence, nationality, business location, provider licensing, sanctions requirements, KYC/AML requirements and local financial-services law, and GEF may restrict, suspend or discontinue a product or jurisdiction where required by law, regulation, partner requirements or risk controls. See Jurisdictions for current availability by country.
Banking, payments and cards
Where banking, payment or card services are available through GEF One, the underlying service is delivered by the applicable licensed banking, payment or card-issuing partner, who is responsible for deposit-taking, payment processing, safeguarding, card issuance and the related regulatory obligations. GEF is not a bank, payment institution or card issuer merely because these services are accessible through GEF One, and does not represent itself as the issuer of every card made available through the platform.
Digital assets
Digital-asset services made available through GEF One, where applicable, are delivered through appropriately authorised or regulated digital-asset service providers responsible for exchange, execution, custody, wallet infrastructure and related digital-asset services. Digital assets carry significant volatility, liquidity, technology, cybersecurity, counterparty, custody and regulatory risk, and availability varies by jurisdiction — see Risk Disclosure for detail.
Investments and foreign exchange
Investment products, where available, are provided through the applicable investment, securities or financial-services provider responsible for the regulated investment service; GEF does not provide personal financial advice or investment recommendations merely by making information or third-party investment services accessible through GEF One. Foreign-exchange services may be provided by financial institutions, payment providers or other appropriately authorised providers, with rates, spreads, fees and available currencies varying by provider and jurisdiction.
Customer agreements
Customers may be required to enter into separate agreements with a Licensed Partner before receiving a particular product — including customer terms, product terms, account agreements, cardholder agreements, investment agreements and digital-asset terms, alongside that provider's own privacy policy. These sit alongside, not instead of, the GEF One Terms of Use and Privacy Policy.
Related pages
See Licensed Partners for how GEF selects and categorises the providers behind GEF One, and Jurisdictions for current product availability by country. Both pages are updated as partner relationships and regulatory reviews are completed.